Start investing with a Stocks and Shares ISA

Yes, you can pay into more than one Stocks and Shares ISA during the same tax year across different providers. 

However, your total contributions across all ISAs must stay within the annual allowance (currently £20,000).

Your Stocks and Shares ISA will be invested in one of our Personal Portfolio Funds. Each fund holds a diversified mix of assets, such as UK and global shares, bonds and cash. These are chosen and managed by Coutts investment experts.

Yes, you can withdraw money from your Stocks and Shares ISA at any time, using either the Royal Bank of Scotland app or Online Banking. Just remember that selling investments can take up to a week to complete.

No, the value of investments can fall as well as rise and you might get back less than you originally invest. A Stocks and Shares ISA is different to a savings account. It doesn’t offer a guaranteed return.

A Cash ISA is lower risk, with predictable returns based on interest rates.

A Stocks and Shares ISA carries more risk because your money is invested in assets that can go up or down, so you might get back less than you put in. However, it offers the potential for higher returns over time.

We generally suggest planning to invest for at least five years. This could help to smooth out short-term ups and downs in the investment markets.

With a Stocks and Shares ISA, you don’t pay UK Income Tax or Capital Gains Tax on investment growth or the income you earn. However, tax rules and allowances could change in the future and may depend on your personal situation. 

If you invest in stocks and shares outside of a Stocks and Shares ISA (for example, through a General Investment Account) UK taxes might apply on any returns you make.

Yes, you can usually transfer an existing ISA without losing your tax advantages.

Log in to Royal Bank Invest, tap ‘Transfer an ISA’ in the Stocks and Shares ISA section, and we’ll contact your current provider. Don’t withdraw the money yourself or you could lose your ISA tax benefits.

With Royal Bank Invest, you have two options:

• Do it yourself – choose funds based on your risk profile. We’ll help you understand risk levels and how our funds work, but we won’t tell you exactly which fund to choose.
• Get advice – if you’d like tailored investment advice, we offer an Online Investment Advice Service through our Investment Advisers. This service can help you decide how much to invest—either monthly or as a lump sum—and which of our funds may suit you.

You’ll only pay a one-off £200 advice fee if you invest. If we believe investing isn’t right for you, there’s no charge.